- Personal Finance»
- Frugal Living
Save Money Living Simply
- Hooked on Credit?
How did we get hooked on credit? Many people have been convinced that credit is OK, and in fact a way out of their current situation. why is there over $2.4 trillion in consumer debt? Lets take a closer look as to how we got to thinking overspending.
- Save Money With The Credit Card Float
This is not a get rich quick, or cheating the system strategy. This is a concept for those that can consistently pay their credit card bill in full each month and take advantage of the “Float”, rewards, and other perks that come with using a...
- Tips, Tricks, Dos and Don'ts - Save Money Organizing...
Tips, Tricks, Dos and Don’ts – How To Save Money Organizing Your Bank Accounts This is the last part in my idea of saving money by organizing your bank accounts. If you want to start at the beginning go here. Otherwise, there are plenty of...
- Save Money With Expired Milk
A quick tip on saving money in an unlikely way
More is better right? Maybe not. As our lives progress, society preaches more, more, more. First a car, then a house, then another car, and a boat, a pool, a time share or cabin, season tickets, vacations, an RV, and on and on.
The one drawback is that no matter how much stuff someone has, we all only have 24 hours in a day. As you accumulate more, your time is being demanded by more. Better get up to the cabin for a weekend, its been a while. Better take the boat out. All of the things that we own, begin to own us!
Something I have recently come to realize is that if I want control over my life and time, I need to eliminate all the unnecessary in my life.
How do we eliminate what is not important?
- Adopt the mindset that less is more. By having less and owning less, we will have less to maintain, care for and worry about. When we have less, we have more time to do what is really important to us. Remember when you say yes to something, you are saying no to many other things.
- Learn to say no. You do not need to say yes to everything. It is fine to tell people that you are just not able to commit to their request right now. Honesty is still the best policy. If you do not want to do something, simply say so. Thank them for asking, be polite, and give them a firm answer. Do not say maybe or let me get back to you, simply let them know that you are unable to commit to that. One perk to this is the feeling you will get from not having to do things you really did not want to do anyways.
- Start to purge. I have a tongue in cheek theory that everyone should have to move every 7-10 years. Why? So they can go through all the stuff they accumulated over the years and get rid of the stuff they never use anymore.
- Take 10 minutes a week, and purposely look for stuff that you no longer use or want, and either donate it, sell it or throw it out.
- Turn all your cloths inside out, and as you wear them turn them back. a few months later, take all the cloths that are still inside out and get rid of them, doubt you will miss them.
- Once a week, find an item in the back of your cupboard or bottom of your freezer and make a meal around it.
- Review your account statements. Take some time and review your statements every few months. Look for purchases for things that you no longer use or are in access. Gym memberships, subscriptions or shopping trips. This will give you hard evidence and data to aspects of your life that you may be able to cut out.
These are just a few options and ideas of ways to simplify your life. By putting any of these ideas into practice, you will save time, money and hassle all while gaining control over your life. We all have the same 24 hours, how will you use yours?